Why Isn’t Lyme Disease Covered By Insurance?
As the tick season begins to wind down, thousands of families will begin to experience the impacts of forgotten tick bites received during the summer months, and begin a journey of education and acceptance.
Unaware of the potential complications and financial resources required, thousands of families will begin to visit dozens of doctors that will span over the course of years and potentially decades to pursue “alternative treatment” that is often stigmatized by the medical community and not covered by insurance companies.
According to the Centers for Disease Control and Prevention (CDC), Lyme Disease is the fastest growing vector-borne, infectious disease in the United States, overtaking Zika Virus and West Nile Virus , with the number of cases reportedly increasing annually nearly 25-fold since reporting began in 1982.
The Centers for Disease Control and Prevention (CDC) estimates that there are currently 300,000 new cases of Lyme Disease each year, but they state there are no accurate tests to quantify the number of new cases, which could well be in the millions.
A tick bite and bull’s eye rash are the two most common physical markers for an infection of the spirochete (spiral shaped) bacteria known as bacterium borrelia burgdorferi, which is transmitted to humans through the bite of infected blacklegged (deer) ticks.
However, a recent polling evaluating the effectiveness of Lyme Disease diagnoses found that 50% of “diagnosed” Lyme Disease patients did not recall a tick bite, and that less than 50% recalled receiving the characteristic “bull’s eye” rash.
After spending $40k out of pocket for 10 days of Lyme Disease treatment at a cash only clinic in Arizona, Medical Bill Gurus was able to recover $18k from the insurance. I thought I would recover nothing, but a couple weeks later I got a check directly from the insurance in the mail.
I have suffered from Lyme Disease for 15+ years, and never thought insurance would help pay for treatment. Now I am able to get money back that I can use to afford long term treatment protocols.
For a few years, I had stomach pain that caused me to go to the ER on what like a nightly basis. Each visit was another bill and another doctor telling me nothing was wrong, and before my family knew it, we were paying thousands of dollars for short term fixes. Medical Bill Gurus helped us to verify each bill on a rolling basis, as medical providers were not adequately checking my benefits and overcharging me each time I went.